Ibimenyetso 8 byakwereka ko ucunga amafaranga nabi

Gucunga amafaranga rero ni ibintu bitoroshye, uko yaba angana kose kuyacunga neza bigira umusaruro naho kuyacunga nabi bikagira ingaruka. Reka turebere hamwe bimwe mu bimenyetso bikwereka ko ushobora kuba ucunga nabi amafaranga.

1.  Ntujya uteganya ibyo uzakoresha ayo mafaranga

Kwinjiza amafaranga ugahita utangira kuyakoresha nta bintu runaka wagennye n’ibigomba kubanza kurenza ibindi, bituma ukoresha amafaranga ntumenye n’aho aciye. Ni byiza gukora urutonde rw’ibyo ukeneye ndetse n’uko amafaranga azabigendaho ku buryo uvuga uti amafaranga nayakoresheje muri ubu buryo. Igihe utabikoze gutya, umuntu burya akenera ibintu byinshi ariko siko byose biba bifite akamaro muri ako kanya, wakwisanga buri gihe amafaranga yagushiranye hari iby’ingenzi udakemuye.

2. Kudateganyiriza ibihe bitunguranye!

Ubuzima igihe cyose ntibugenda uko umuntu yabuteganyije. Hari igihe ushobora gutungurwa n’ikibazo runaka nyamara gishobora kuba kitanaremereye cyane ku buryo ubaye warateganyije amafaranga runaka yagufasha kugikemura. Iyo utigeze uteganyiriza ibihe nk’ibi, usanga ushobora gutungurwa n’ikibazo kitanaremereye ariko kikagutura hasi burundu.

3. Nta kuzigama

Kuzigama burya ntibisaba ngo ube winjiza amafaranga macye cyangwa menshi. Ku mafaranga winjiza ayo ari yo yose, hakagombye kuba hariho umubare runaka w’ayo uzigama. Iyo amafaranga yose winjiza ashirira mu kugura ibintu runaka no gukemura ibindi bibazo, biba ari ikimenyetso cy’imikoreshereze mibi y’amafaranga.

4. Kugura ikintu cyose ubonye

Kutabasha gutandukanya ibintu ushaka n’ibintu ukeneye ni kimwe mu bintu bituma ushobora kugura ibintu bitari ngombwa. Aha ni ho benshi batakariza amafaranga mu buryo bwihuse bikabagusha mu gihombo. Igihe cyose ushobora gukoresha amafaranga muri ubu buryo bwo kugura ikintu cyose uhuye nacyo, bituma uhorana ibibazo by’amafaranga.

5. Gusohora amafaranga ku bintu bigamije kugaragara neza mu maso y’abandi

N’ubwo iki kintu benshi bashobora gutekereza ko cyitabareba cyangwa bagatekereza ko batajya bagikora, ni ikintu gikorwa cyane. Kwitabira ibirori bigusaba gutwerera kandi mu by’ukuri nta bushobozi ufite bwo gutwerera, kwitwara mu buryo runaka bugusaba amafaranga kandi ntayo ufite cyangwa se ayo ufite abaze ku buryo bikugusha mu gihombo ni bimwe mu bintu bikunze kubaho cyane. Kubasha kumenya ko atari ngombwa gusohora amafaranga kubera uko ushaka ko abantu bagufata ni ibintu by’ingenzi cyane.

6. Gukoresha amafaranga yose winjiza

Iki nicyo kimenyetso kiruta ibindi mu bigaragaza ko utazi gucunga amafaranga. Nk’uko twabigarutseho, uko amafaranga yaba angana kose, kuyazigamamo macye ni iby’ingenzi cyane. Igihe uhuye n’ibibazo yose warayakoresheje bituma ugwa mu myenda cyangwa se ukaba wanabura aho werekeza.

7. Ntuzi aho amafaranga anyura

Kutamenya aho amafaranga agiye, ni ikimenyetso kigaragaza ko utaba wateganyije mbere hose aho azajya nuyinjiza. Iyo wandika neza uko ushaka kuzakoresha amafaranga, bigufasha no kumenya ibitihutirwa cyane ukaba ubyigijeyo.

8. Uhora mu myenda

Guhora ku madeni ni ikimenyetso kigaragaza ko imicungire yawe y’amafaranga icumbagira. Kuba wagira imyenda rimwe na rimwe ni ibisanzwe ariko kuyihoramo ni ikigaragaza ko udacunga neza amafaranga yawe winjiza.